18 Clay Dr, Petal, MS 39465 Property Records

Forrest County property record for 18 Clay Dr, Petal, MS 39465

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,024 sqft · built 2007
Lot Size	0.507 acres (22,090 sqft)
Owner	2 Individual Names on Record
Last Sale	$323,456 (Jun 2026)
Tax Bill	$2,685 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2020 Mortgage + 10 more
Flood Zone	Zone X (minimal risk)
APN	`3-020J-34-002.28`

Property Details

APN / Parcel Number

Primary APN	`3-020J-34-002.28`
Alternative APNs	`038080` `38080`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,024 sqft Living Area
1st Floor Area	2,024 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Shingles
Roof Type	Hip
Roof Material	Asphalt
Lot Area	22,090 sqft (0.507 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	38080
Street Address	18 CLAY DR
City	PETAL
State	MS
Zip	39465-6302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 26 OF THE CLAYTON PLACE EAST
Legal Range	12W
Legal Township	05N
Legal Section	34
Legal Subdivision	CLAYTON PLACE EAST
Legal Lot Number	26
Jurisdiction	FORREST MS
Township / Civil Division	3
Census Block Group	1
Census Block	1032
Census Tract	10103

Owner

Source: Forrest County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	18 CLAY DR, PETAL, MS 39465-6302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK
Sep 24, 2020	Deed of Trust, Mortgage BANCORPSOUTH BANK
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Oct 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 8, 2010	Deed of Trust, Mortgage REGIONS BANK DBA REGIONS MORTGAGE
Jun 24, 2015	Deed of Trust, Mortgage · FHA Mortgage GRAND BANK FOR SAVINGS
Jun 5, 2015	Deed of Trust, Mortgage MAGNOLIA STATE BANK
Oct 3, 2022	Warranty Deed, Transfer
Dec 20, 2021	Warranty Deed, Transfer · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Sep 24, 2020	Warranty Deed, Transfer
Feb 12, 2020	Quit Claim Deed, Transfer Quitclaim
Feb 18, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2026 · Amount on Record
Deed Sale	Jun 3, 2026 · Amount on Record
Prior Sale	Oct 3, 2022 · Amount on Record
Deed Document Number	2026890591
Deed Book / Page	1502 / 382
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORREST MS
Recording Date	Jun 3, 2026
Property Address	18 CLAY DR, PETAL, MS 39465-6302
Document Number	0000890591
Book / Page	1502 / 382
Instrument Date	Jun 1, 2026
Instrument	2026890591
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 CLAY DR, PETAL, MS 39465-6302
Investor	Possibly a Property Investor

Mortgage

Document Number	0000890591,
Date	Jun 3, 2026
Book Page	2639/156
Instrument	2026890591

Lender

Name	MERCHANTS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORREST MS
Property Address	18 CLAY DR, PETAL, MS 39465-6302
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002310/168
Date	Sep 24, 2020
Book Page	2310/168
Instrument	811109

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORREST MS
Property Address	18 CLAY DR, PETAL, MS 39465-6302
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	PLACER TITLE COMPANY, PILGER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002398/453
Date	Dec 20, 2021
Book Page	2398/453
Instrument	831277

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORREST MS
Property Address	18 CLAY DR, PETAL, MS 39465-6302
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	PILGRIM TITLE, PILGER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002450/651
Date	Oct 3, 2022
Book Page	2450/651
Instrument	843359

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORREST MS
Property Address	18 CLAY DR, PETAL, MS 39465-6302
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01747/0479
Date	Jun 8, 2010
Book Page	1747/0479

Lender

Name	REGIONS BANK DBA REGIONS MORTGAGE
Address	2050 PARKWAY OFFICE CIR, HOOVER, AL 35244

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2040

June 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORREST MS
Property Address	18 CLAY DR, PETAL, MS 39465-6302
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002019/121
Date	Jun 24, 2015
Book Page	2019/121

Lender

Name	GRAND BANK FOR SAVINGS
Address	PO BOX 16988

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2045

June 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORREST MS
Property Address	18 CLAY DR, PETAL, MS 39465-6302
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002016/95
Date	Jun 5, 2015
Book Page	2016/95

Lender

Name	MAGNOLIA STATE BANK
Address	1130 EVELYN GANDY PKWY

Agreement

Amount	Amount Recorded
Term	11 Months
Due	May 20, 2016

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORREST MS
Recording Date	Oct 3, 2022
Property Address	18 CLAY DR, PETAL, MS 39465-6302
Document Number	001405/579
Book / Page	1405 / 579
Map Reference	SL B-68
Instrument Date	Sep 14, 2022
Instrument	843358
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39 TOMMY DAVIS RD, MOSELLE, MS 39459-9680

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18 CLAY DR, PETAL, MS 39465-6302

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORREST MS
Recording Date	Dec 20, 2021
Property Address	18 CLAY DR, PETAL, MS 39465-6302
Document Number	001383/512
Book / Page	1383 / 512
Map Reference	SL B-68
Instrument Date	Dec 9, 2021
Instrument	831276
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	PLACER TITLE COMPANY, PILGER TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	36 HOLLOMON RD, ELLISVILLE, MS 39437-5172

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 CLAY DR, PETAL, MS 39465-6302
Investor	Possibly a Property Investor

Mortgage

Document Number	0000831277
Date	Dec 20, 2021
Instrument	831277

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORREST MS
Recording Date	Sep 24, 2020
Property Address	18 CLAY DR, PETAL, MS 39465-6302
Document Number	001348/404
Book / Page	1348 / 404
Map Reference	SL B68
Instrument Date	Sep 24, 2020
Instrument	811108
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	531 LONGLEAF DR, PETAL, MS 39465-7925

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 CLAY DR, PETAL, MS 39465-6302

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FORREST MS
Recording Date	Feb 12, 2020
Property Address	18 CLAY DR, PETAL, MS 39465-6302
Document Number	001331/502
Book / Page	1331 / 502
Instrument Date	Feb 6, 2020
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	635 OLD RIFLE RANGE RD, PETAL, MS 39465-9641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 OLD RIFLE RANGE RD, PETAL, MS 39465-9641

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FORREST MS
Recording Date	Feb 18, 2020
Property Address	18 CLAY DR, PETAL, MS 39465-6302
Document Number	0001332/68
Book / Page	1332 / 68
Map Reference	CB B SL 68
Instrument Date	Feb 6, 2020
Instrument	801352
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 CREEDMOOR, HATTIESBURG, MS 39402-7048

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 CLAY DR, PETAL, MS 39465-6302

Tax Assessment & Valuation

Source: Forrest County assessment roll, as of March 9, 2026

Property Jurisdictions

Type	Name
State	Mississippi
County	Forrest County
Municipality	Petal City
Unified School District	Petal School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,685.00 (+22.49%) Homeowner's exemption	$16,906 (-88.61%)	$169,060 (+13.87%) Land $25,000 Building $144,060
2023	$2,192.00 Homeowner's exemption	$148,470 (+9%)	$148,470 (-) Land $25,000 Building $123,470
2022		$14,847	$148,470 Land $25,000 Building $123,470

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 48% of the US · above 50% of Mississippi
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PETAL serves 9,509 people · EPA ID MS0180011
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
defastlink Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
C Spire Wireless Fixed Wireless	100 / 20

May also be available: AT&T.

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